Rates

*Above rates represent a credit score of at least 780, a minimum of $25,000, and Automatic Payments from a PVFCU Checking Account. Members may see an increase in APR based on credit, value of vehicle, age of vehicle, and/or amount financed. Not all loans will be eligible for all terms listed above.

Vehicle value is based off KBB Invoice for new vehicles or NADA retail values for used vehicles. If you are unsure about how to obtain the value please contact us.

Rates, terms and conditions are subject to change and may vary based on creditworthiness, qualifications and collateral conditions. All loans subject to approval. All rates listed are fixed. Down payment on vehicle loans varies depending on your credit score and the purchase price of the vehicle. Debt payments including all bills must not exceed 45% of your total gross income or less depending on credit. Representative payment example: A $10,000 loan at a 1.99% Annual Percentage Rate for 36 months would require 36 monthly payments of $286.38.

For commercial vehicle rates please contact a business loan officer.

*APY = Annual Percentage Yield; Dividends are paid monthly. All rates quoted are subject to Credit Union earnings and are subject to change without notice. To receive the APY quoted, dividends must remain on deposit for at least a year. A withdrawal prior to one year will reduce earnings. Dividends will be forfeited for any account closed before accrued dividends are credited. Earnings may also be reduced by fees associated with some accounts. Dividends paid on Simple Choice Checking only if that option is selected as part of customized account.

*APY = Annual Percentage Yield; Dividends are paid quarterly. A 90-day dividend penalty will be assessed on early withdrawals on certificates up to 3-year terms, and a 180-day penalty on early withdrawals from 4 and 5 year term certificates. To receive the APY quoted, dividends must remain on deposit for at least a year. A withdrawal prior to one year will reduce earnings. Dividends will be forfeited for any account closed before accrued dividends are credited. Earnings may also be reduced by fees associated with some accounts.
**Certificate will rollover into a 1-year, $1,000 minimum certificate.

*APY = Annual Percentage Yield; Dividends are paid monthly. All rates quoted are subject to Credit Union earnings and are subject to change without notice. To receive the APY quoted, dividends must remain on deposit for at least a year. A withdrawal prior to one year will reduce earnings. Dividends will be forfeited for any account closed before accrued dividends are credited. Earnings may also be reduced by fees associated with some accounts.

*APY = Annual Percentage Yield; Dividends are paid quarterly. All rates quoted are subject to Credit Union earnings and are subject to change without notice. To receive the APY quoted, dividends must remain on deposit for at least a year. A withdrawal prior to one year will reduce earnings. Dividends will be forfeited for any account closed before accrued dividends are credited. Earnings may also be reduced by fees associated with some accounts.

*APY = Annual Percentage Yield; Dividends are paid quarterly. All rates quoted are subject to Credit Union earnings and are subject to change without notice. To receive the APY quoted, dividends must remain on deposit for at least a year. A withdrawal prior to one year will reduce earnings. Dividends will be forfeited for any account closed before accrued dividends are credited. Earnings may also be reduced by fees associated with some accounts.

*APY = Annual Percentage Yield; Dividends are paid quarterly. All rates quoted are subject to Credit Union earnings and are subject to change without notice. To receive the APY quoted, dividends must remain on deposit for at least a year. A withdrawal prior to one year will reduce earnings. Dividends will be forfeited for any account closed before accrued dividends are credited. Earnings may also be reduced by fees associated with some accounts.